About
Community banks deserve fintech-grade software for their business customers.
Forthwell Pay was built to solve one problem: big banks and neobanks are winning small-business relationships because their software is better. Community banks have the balance sheets, the relationships, and the local underwriting — they just need the product surface to match.
What we build
Forthwell Pay is a white-labeled operating system for the business customers of community and regional banks. It runs receivables, invoicing, cash forecasting, AI-assisted collections, and reconciliation against the sponsoring bank's deposit accounts. Every workflow ends inside the bank — deposits, payments, and lending flow through the bank's rails, not a third-party ledger.
Why banks pick us
- Business customers get an AI copilot, receivables, and cash forecasting — no more losing them to fintechs.
- Bank admins get a portfolio view of every business on the platform, health scores, and lending signals in real time.
- Fully white-labeled: the customer sees the bank's brand, not ours.
- No core replacement required. We integrate with existing deposit and payment rails.
Who we are
Forthwell Pay is an independent software company. We are not a bank and we do not accept deposits. All banking, lending, and money-movement services shown in the product are provided by the sponsoring financial institution shown to each end customer.